{"data":{"id":"us/12-cfr-1282.18","jurisdiction":"us","citation":"12 CFR 1282.18","heading":"Affordability—Income level definitions—family size not known (actual or prospective tenants).","body":"In determining whether a rental unit is affordable where family size is not known to the Enterprise, income will be adjusted using unit size, and affordability determined as follows:\n(a) For moderate-income, the income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 70\n1 bedroom 75\n2 bedrooms 90\n3 bedrooms or more *\n*104% plus (12% multiplied by the number of bedrooms in excess of 3).\n(b) For low-income (80%), income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 56\n1 bedroom 60\n2 bedrooms 72\n3 bedrooms or more *\n*83.2% plus (9.6% multiplied by the number of bedrooms in excess of 3).\n(c) For low-income (60%), income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 42\n1 bedroom 45\n2 bedrooms 54\n3 bedrooms or more *\n*62.4% plus (7.2% multiplied by the number of bedrooms in excess of 3).\n(d) For very low-income, income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 35\n1 bedroom 37.5\n2 bedrooms 45\n3 bedrooms or more *\n*52% plus (6.0% multiplied by the number of bedrooms in excess of 3).\n(e) For extremely low-income, income of prospective tenants shall not exceed the following percentages of area median income with adjustments, depending on unit size:\nUnit size Percentage of area median income\nEfficiency 21\n1 bedroom 22.5\n2 bedrooms 27\n3 bedrooms or more *\n*31.2% plus (3.6% multiplied by the number of bedrooms in excess of 3).","path":["Title 12—Banks and Banking","CHAPTER XII—FEDERAL HOUSING FINANCE AGENCY","SUBCHAPTER E—HOUSING GOALS AND MISSION","PART 1282—ENTERPRISE HOUSING GOALS AND MISSION","Subpart B—Housing Goals"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"c1cfbd892bc272617d4bdb541c8bceada2cef45a5a5f4e664297a4c5bbbc3076","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1282.17","next":"us/12-cfr-1282.19"},"notice":"GroundRules: Original legal text. Not legal advice."}